Insurer profile
Tiroler Versicherung V.a.G. (Tyrolean Insurance Mutual Association)
Tiroler Versicherung is a mutual insurance association (Versicherungsverein auf Gegenseitigkeit) headquartered in Innsbruck, founded in 1821 as the Tirolisch-Vorarlberg'sche Feuer-Versicherungsanstalt, making it the only insurance company based entirely in Tyrol and 100% owned by its Tyrolean members; it offers a full range of insurance lines for private individuals, farmers, businesses and municipalities.
Source- Legal entity
- Tiroler Versicherung V.a.G. (Tyrolean Insurance Mutual Association)
- Headquarters
- Innsbruck, Austria
- Regulator
- Austrian Financial Market Authority (FMA)
- Phone
- +43 512 5313-0
- mail@tiroler.at
- Founded
- 1821
- Last verified
- Aug 25, 2026
Products from Tiroler Versicherung V.a.G. (Tyrolean Insurance Mutual Association)
motor
Motor Third-Party Liability Insurance
Mandatory third-party liability cover for cars and other motor vehicles, with a no-claims bonus and discounted driving-safety training.
motor
Motor Comprehensive/Casco Insurance
Covers repair costs for the policyholder's own vehicle as well as replacement costs after theft, available as partial or full casco.
motor
Moped/125cc Motor Liability Insurance
Low-cost mandatory liability insurance for mopeds and 125cc motorcycles, with optional casco and accident add-ons.
liability
Motor Legal Protection Insurance
Legal protection insurance covering legal costs arising from traffic-related disputes.
health
Vehicle Occupant Accident Insurance
Accident insurance for the driver and passengers of an insured vehicle in case of injury or death.
motor
Motor Roadside Assistance
24-hour roadside assistance and breakdown service for the insured vehicle and its occupants, at home and abroad.
property
Household Contents Insurance
Covers household contents against fire, water damage, storm, burglary and other risks, including private liability.
property
Home/Building Insurance with Hoppala-Plus
Building insurance for owner-occupied homes with the additional "Hoppala-Plus" cover for accidental damage.
property
Shell Construction & Builder's Risk Insurance
Provides free cover for a new building from the start of construction until the building insurance takes effect, plus optional builder's risk cover.
property
Home Assistance Service
24/7 assistance service providing help with household emergencies such as plumbing, locksmith or electrical issues.
property
IT Assistance Service
Round-the-clock support and advice for household IT problems such as printer, Wi-Fi or computer issues.
property
Natural Hazards Insurance (H.E.L.P. Alpin)
Supplementary cover to the home/household insurance protecting buildings and contents against natural hazards such as floods and landslides.
liability
Legal Protection for Employees
Legal protection insurance covering employment-related legal disputes for private individuals.
liability
Traffic, Damages & Criminal Legal Protection (Private)
Legal protection covering traffic, damages and criminal law disputes in the private sphere.
health
Individual Accident Insurance
Personal accident insurance paying benefits for permanent disability, death or accident-related costs.
health
Partner Accident Insurance
Accident insurance for couples, each insured at 100% of the sum insured.
health
Family Accident Insurance
Accident insurance covering the whole family with flexible cover and many premium-free add-on benefits.
health
Senior Accident Insurance
Accident insurance tailored for senior citizens covering leisure accidents not covered by statutory schemes.
health
Group Accident Insurance
Group accident insurance for organisations such as clubs, covering volunteers and members.
liability
Private Liability Insurance
General liability cover for private individuals, tenants and homeowners against third-party claims for personal injury or property damage.
life
Endowment Life Insurance
Classic endowment life insurance combining a savings component with death benefit protection.
life
Endowment Life Insurance with Premium Refund
Endowment life insurance variant refunding premiums paid if death occurs within the first three years.
life
Pure Endowment Insurance
Savings-oriented life insurance paying out the insured sum plus profit participation if the insured person survives the contract term.
life
Term Life (Death Benefit) Insurance
Pure death-benefit life insurance, often used as a supplementary cover to a life or pension policy.
financial
Pension/Annuity Insurance
Private pension insurance paying a guaranteed lifelong annuity or a lump-sum alternative from retirement age.
health
Dread Disease / Critical Illness Cover
Supplementary insurance paying a lump sum on diagnosis of severe illnesses such as cancer or heart disease.
life
Disability (Occupational Incapacity) Insurance
Provides for waiver of premium and/or an income if the insured person becomes permanently unable to work in their profession.
health
Private Health Insurance
Private supplementary health insurance tailored to the individual needs of the insured person.
life
Children's Savings/Insurance Plan
A savings-based life insurance plan for children combining financial provision with insurance cover.
life
Funeral Expenses Provision
Life insurance product designed to cover funeral and burial costs.
property
Commercial Property Insurance
Tailored commercial property insurance for businesses covering fire, business interruption, burglary, water damage and more.
property
Mountain Cableway Insurance
Specialised property and liability insurance solution for cable car and mountain railway operators and their ancillary businesses.
property
Hospitality Business Insurance
Flexible property insurance for hospitality businesses such as cafes, inns, guesthouses and hotels.
liability
Corporate Legal Protection
Legal protection insurance for companies covering legal disputes arising from business operations.
liability
Traffic Legal Protection for Companies
Legal protection insurance for companies covering traffic-related legal disputes involving company vehicles.
financial
Severance Pay Reinsurance
Helps employers finance statutory severance pay obligations for employees hired before 1 January 2003.
financial
Occupational Pension Provision for Employees
Employer-funded pension provision product for employees as part of company benefits.
property
Agricultural Property Insurance
Comprehensive property insurance for farms covering buildings, machinery, crops and livestock.
liability
Agricultural Legal Protection
Legal protection insurance for farmers, available with or without traffic-related cover.
property
Municipality All-in-One Insurance
All-inclusive insurance package specifically designed to cover the risks faced by municipalities in Tyrol.
liability
Municipality Legal Protection
Legal protection insurance tailored to the specific legal risks faced by local municipalities.
liability
Event Organiser Liability Insurance
Liability insurance for event organisers covering claims arising from injuries or damage during events.
travel
Travel Health Insurance Abroad
Covers medical treatment costs abroad in case of sudden illness or accident during travel.
Regulatory updates
As a mutual insurer under the Austrian Insurance Supervision Act (VAG 2016), Tiroler Versicherung is supervised by the FMA and publishes an annual Solvency and Financial Condition Report (SFCR); its 2024 SFCR states that the company met all required solvency capital requirements at all times during 2024. In early 2026 the company faced a legal dispute with Lienzer Bergbahn AG, which sued Tiroler Versicherung over a rejected claim related to cableway pylon repair costs it argued should have been covered as storm/catastrophe damage.
Reputation and reviews
Offer pages
Motor casco
Tiroler Versicherung is a motor casco insurance for the Austria market with no online purchase and 24/7 assistance.
Last verified Aug 26, 2026
Motor third-party liability
Tiroler Versicherung is a motor third-party liability insurance for the Austria market with no online purchase and limited assistance availability.
Last verified Aug 26, 2026